ZIP 32068 Foreclosure, Tax-Lien & Distress Report

Clay County, Florida's ZIP 32068 registers 33/100 composite distress, which DLRadar reads as moderate. The pressure is most legible in structural risk (72/100), institutional ownership (71/100), construction/permit lag (42/100). On the quiet end sit mortgage stress (22/100). Structural risk reads 72/100 against active distress of 7/100. Climate and flood risk are elevated too — FEMA disaster exposure (99/100), climate & FEMA risk (83/100), flood (NFIP) exposure (82/100).

The contraction-phase market in 32068 posted values that fell 0.9% over the year, 1.8% off the recent peak, and 12% higher over three years (phase confidence 32/100). Falling values surface more motivated sellers and below-market exits.

At $82,410, median income runs near typical U.S. levels. Owners hold 79% of homes, renters 21%. The poverty rate is 10.9%. On demographic stress specifically, 32068 scores 30/100. A median home runs $289,500 here, or 3.2 times local income. About 22% have a four-year degree. Around 43% of renters are cost-burdened. There are about 21,932 housing units across 32068. About 58,196 people live here, median age 38. Vacancy runs 5.1%.

Net-net, 32068 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. There is no property file for 32068 at the moment; the composite and its components are still built from verifiable records.

The number is not local guesswork: 32068's 33/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 32068 reflects the current record instead of a stale or modeled snapshot.

32068's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. In workflow terms, 32068 is a go/no-go - the score says whether to drill in, then DLRadar carries you to parcels, capital and closing.